Alright, let's work through 3920 times 9520 step by step
3920 × 9520 = 9520 × (3920)
+ 9520 × 0 producing 0
+ 9520 × 20 which equals 190400
+ 9520 × 900 producing 8568000
+ 9520 × 3000 that is equal 28560000

= 37318400
